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disintermediation |
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disintermediation
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| In the Internet's early days, the promise of web-enabled real estate platforms and tools elicited one of two responses from New York's real estate community: fear of disintermediation, or unrealistic dreams for complete web-automation. Disintermediation occurred when Guttenberg invented the printing press and people no longer had to go to the priests to learn what was in the Bible. These positive factors are tempered by moderate overall sales growth at Bankers Life (adjusted to remove the impact of the industry wide downturn in LTC sales), persistency challenges associated with CIG's Medicare supplement business, disintermediation risk in CIG's annuity block and recent development of adverse operating trends in Conseco's run-off LTC business. |
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